지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
초록· 키워드
오류제보하기
The most controversial issue in the Korean insurance industry may be bancassurance, a mixture of insurance and banking, also under the name of financial convergence. Bancassurance is a French tenn referring to the selling of insurance through banks' established distribution channels. Bank can provide integrated financial services in tune with customers' needs by one-stop shopping through bancassurance
Lots of arguments against and for bancassurance have been discussed. While some insurers welcome easing the entry barrier between insurance and banking, others dislike the entry into insurance by banks. However, bancassurance will be introduced here in August 2003. The entry of bancassurance is going to fundamentally change the competition structure and profitability of the msurance industry. Bancassurance may be divided into four categories, according to the degree of bank involvement: de novo entries, mergers and acquisitions (M&A), joint ventures and straightforward distribution agreements. De novo means entry with the bank's own underwriting of insurance from scratch. Merger and acquisition implies a combination and integration of two separate corporations. Joint venture means that a jointly owned separate legal entity underwrites insurance.
The main threat of bancassurance might be caused by the different cultures of banking and insurance. The culture and product differences may cause a substantially unexpected cost to bancassurance. In addition to the differences, even the opportunities of bancassurance can turn into a threat to traditional insurance companies, traditional insurance sales network. In process of enforcement or after terminating a distribution agreement with an insurance company, a bank that wants to set up its own insurance subsidiary will encounter severe repercussions for the company.
Thus, it is essential to know the different party's purpose in bancassurance, and the advantages and disadvantages before becoming involved in bancassurance to gain expected synergies. It is too important to arrange the legal complementary system in bancassuance.
Lots of arguments against and for bancassurance have been discussed. While some insurers welcome easing the entry barrier between insurance and banking, others dislike the entry into insurance by banks. However, bancassurance will be introduced here in August 2003. The entry of bancassurance is going to fundamentally change the competition structure and profitability of the msurance industry. Bancassurance may be divided into four categories, according to the degree of bank involvement: de novo entries, mergers and acquisitions (M&A), joint ventures and straightforward distribution agreements. De novo means entry with the bank's own underwriting of insurance from scratch. Merger and acquisition implies a combination and integration of two separate corporations. Joint venture means that a jointly owned separate legal entity underwrites insurance.
The main threat of bancassurance might be caused by the different cultures of banking and insurance. The culture and product differences may cause a substantially unexpected cost to bancassurance. In addition to the differences, even the opportunities of bancassurance can turn into a threat to traditional insurance companies, traditional insurance sales network. In process of enforcement or after terminating a distribution agreement with an insurance company, a bank that wants to set up its own insurance subsidiary will encounter severe repercussions for the company.
Thus, it is essential to know the different party's purpose in bancassurance, and the advantages and disadvantages before becoming involved in bancassurance to gain expected synergies. It is too important to arrange the legal complementary system in bancassuance.
목차
1. 들어가는 말
2. 방카슈랑스의 개념 및 장단점 비교
3. 방카슈랑스의 형태
4. 방카슈랑스 관련 각국 입법례의 발전 추이
5. 방카슈랑스의 도입과 법적 문제
6. 방카슈랑스의 도입에 따른 대책
참고문헌
Abstract
참고문헌 (0)
참고문헌 신청함께 읽어보면 좋을 논문
논문 유사도에 따라 DBpia 가 추천하는 논문입니다. 함께 보면 좋을 연관 논문을 확인해보세요!
-
방카슈랑스의 성장이 생명보험설계사 수의 증감에 미치는 영향에 대한 실증분석
대한경영학회지
2010 .12
-
방카슈랑스 도입에 따른 국내보험사의 대응전략 시나리오
대한경영학회지
2003 .06
-
방카슈랑스에 관한 소고
경영경제
2002 .08
-
국내은행들의 방카슈랑스 도입요인 분석 및 정보화 구현모형에 관한 연구
한국무역학회 국제학술대회
2003 .10
-
방카슈랑스에 대한 소비자의 인지 및 기대 - 현재의 문제점과 4단계 확대시행을 중심으로 -
보험학회지
2008 .01
-
정치 경제학 관점의 생명보험사 비용효율성 분석 : 방카슈랑스 도입을 중심으로
산업경제연구
2009 .06
-
방카슈랑스 도입에 따른 생명보험회사의 비용효율성 및 생산성변화 연구
보험금융연구
2007 .01
-
일본의 방카슈랑스제도 운영에 관한 연구 : 폐해방지 대책을 중심으로
아시아연구
2008 .09
-
방카슈랑스 효과와 생명보험회사의 경영전략
보험금융연구
2008 .01
-
이집트 손해보험산업 연구
한국아프리카학회지
2013 .06
-
방카슈량스의 성공적인 정착 방안
기업과혁신연구
2003 .12
-
Measurement of Effects and Productivity of Deregulation in Insurance Industry in Japan
보험학회지
2008 .01
-
손해보험사의 장기저축성보험 규제에 관한 소고
경영법률
2011 .01
-
방카슈랑스 도입에 따른 생명보험사의 효율성 변화
보험학회지
2008 .01
-
중국의 WTO가입에 의한 보험업의 개혁개방과 향후전망
관세학회지
2002 .02
-
보험소비자보호에 관한 연구 –2012년 입법예고된 상법 보험편 개정안 통칙편을 중심으로-
원광법학
2013 .01
-
보험업법상 겸영금지원칙에 관한 검토
기업법연구
2006 .12
-
중복보험의 개별보험종목 적용에 관한 법적고찰 —책임보험과 법무보험의 중복보험 문제를 중심으로—
경영법률
2012 .01
-
고지의무에 대한 입법론적 고찰-보험소비자보호의 관점에서-
법과 정책연구
2008 .01
이 논문의 저자 정보
이 논문과 함께 이용한 논문
최근 본 자료
댓글(0)
0
UCI(KEPA) : I410-ECN-0101-2009-366-013558592